1991 Pontiac Trans Sport Car Insurance Cost – 8 Tricks for Best Prices

Searching for better car insurance rates for your Pontiac Trans Sport? Finding affordable car insurance on the web can seem to be challenging for consumers not familiar with price shopping online. When there are so many choices, how can drivers possibly compare every company to locate the best price?

Finding the best rates is easy if you know what you’re doing. In a nutshell, anyone who has to buy auto insurance stands a good chance to be able to cut their insurance bill. Nevertheless, consumers can benefit from knowing how insurance companies price online insurance and use this information to your advantage.

Insurance Coverage Quote Comparison

Performing a rate comparison can be a daunting task if you don’t understand the fastest way to get free quotes. You can spend countless hours discussing policy coverages with insurance companies in your area, or you could use online quotes to achieve your goal.

Most of the larger companies enroll in a system that enables customers to complete one form, and every company can give them a price based on the submitted data. This prevents consumers from doing repetitive form submissions to each company. To submit your quote information now, click here to open in new window.

The one disadvantage to pricing coverage this way is you are unable to specify the insurers to receive prices from. If you would rather choose from a list of companies to compare, we have a page of insurance coverage companies in your area. Click to view list.

It’s your choice how you get your quotes, but compare apples-to-apples coverage limits on every quote you get. If you compare different deductibles it’s not possible to determine the lowest rate for your Pontiac Trans Sport. Having just a slight variation in coverages can mean a large discrepancy in price. Just keep in mind that comparing a large number of companies gives you a better chance of getting lower pricing.

Are you getting all your discounts?

Companies don’t always publicize all their discounts very well, so we took the time to find some of the more common and also the lesser-known insurance savings.

  • Use Seat Belts – Drivers who require all occupants to use a seat belt could save 15% on the medical payments or PIP coverage costs.
  • Memberships – Participating in a qualifying organization could trigger savings when shopping for insurance on Trans Sport coverage.
  • Own a Home – Owning a house may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
  • No Charge for an Accident – A few companies allow you one accident before your rates go up if your claims history is clear prior to the accident.
  • Sign Online – Some insurance companies give back up to $50 for buying your policy on their website.
  • Drive Less and Save – Driving fewer miles could be rewarded with better rates on cars that stay parked.
  • Senior Citizens – Older drivers may receive a discount up to 10% on Trans Sport coverage.
  • Multiple Cars – Buying insurance for all your vehicles on the same insurance policy could earn a price break for each car.

It’s important to note that most of the big mark downs will not be given to the entire cost. Most cut the cost of specific coverages such as comp or med pay. So even though they make it sound like adding up those discounts means a free policy, it just doesn’t work that way.

To see a list of insurance companies who offer insurance discounts, click here.

Tailor your coverage to you

When it comes to buying the best insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s situation is a little different.

For example, these questions could help you determine if your insurance needs would benefit from professional advice.

  • Do I really need UM/UIM coverage?
  • When can my company non-renew my policy?
  • Does coverage extend to a rental car in a foreign country?
  • Am I missing any policy discounts?
  • How does medical payments coverage work?
  • Do I need PIP (personal injury protection) coverage in my state?
  • I have a DUI can I still get coverage?
  • Do I need medical payments coverage since I have good health insurance?
  • Is my nanny covered when driving my vehicle?
  • Why do I need rental car insurance?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Parts of your auto insurance policy

Learning about specific coverages of a auto insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured or underinsured coverage

This coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your 1991 Pontiac Trans Sport.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like fire damage, damage from a tornado or hurricane and a broken windshield. The maximum payout your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability

This will cover injuries or damage you cause to people or other property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims such as repair costs for stationary objects, loss of income, structural damage, medical expenses and attorney fees. How much coverage you buy is up to you, but you should buy as large an amount as possible.

Auto collision coverage

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as crashing into a building, hitting a parking meter and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as dental work, ambulance fees, prosthetic devices and hospital visits. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

More effort can pay off

We’ve covered many ways to get a better price on 1991 Pontiac Trans Sport insurance. The key concept to understand is the more companies you get rates for, the better your chances of lowering your rates. You may be surprised to find that the best price on insurance is with a company that doesn’t do a lot of advertising.

When trying to cut insurance costs, do not buy less coverage just to save a little money. In many cases, an insured dropped uninsured motorist or liability limits and discovered at claim time that the few dollars in savings costed them thousands. Your goal should be to buy a smart amount of coverage at an affordable rate while still protecting your assets.

Low-cost insurance is possible both online and also from your neighborhood agents, so you should compare both to get a complete price analysis. Some companies may not provide online price quotes and most of the time these small, regional companies sell through independent agents.

More detailed insurance information can be read in the articles below: